Net Income Analysis ( % relative to Total Revenue )
Income Statement Castroville State Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 3,769 10,872
Income from Lease Financing Receivables — 2
20 44
Estimated Tax Benefit from Tax-Exempt Loan Income 10 22
Income on Loans and Leases (TE) 3,779 10,941
Investment Interest Income (TE) 1,301 2,007
Total Interest Income (TE) 5,105 13,476
Total Interest Expense 530 1,063
Net Interest Income (TE) 4,575 12,338
Non-Interest Income 582 2,639
Adjusted Operating Income (TE) 5,157 15,335
Non-interest Expense 3,030 9,693
Provision for Loan & Lease Losses 190 524
Pretax Operating Income (TE) 1,937 4,819
Pretax Net Operating Income (TE) 1,933 4,946
Applicable Income Taxes 459 576
Net Operating Income 1,276 3,858
Net Income 1,276 3,845
Cash Dividends Declared 525 1,701
Retained Earnings 751 1,997